Banner Capital Bank (FDIC #19274): Bank Stress & Real-Estate Credit Exposure
Banner Capital Bank (FDIC Cert #19274): bank stress 50/100, moderate, STABLE over 7 days; parent BANNER CNTY BAN EMPLOYEE STK OWNERSHIP PLAN&TR.
Banner Capital Bank (#19274) lends in 7 counties across 2 states; Banner Capital Bank (#19274) reaches 48 ZIP codes: Nebraska 4 counties, 24 ZIPs; Wyoming 3 counties, 25 ZIPs.
Banner Capital Bank (#19274) largest markets: Laramie County, WY (13 branches, 13 ZIPs) (#19274), Furnas County, NE (9 branches, 9 ZIPs) (#19274), Harlan County, NE (8 branches, 8 ZIPs) (#19274), Banner County, NE (8 branches, 8 ZIPs) (#19274), Niobrara County, WY (7 branches, 7 ZIPs) (#19274), Kimball County, NE (5 branches, 5 ZIPs) (#19274).
Banner Capital Bank (#19274) reports $379.8 million in total assets; Banner Capital Bank (#19274) equity $41.2 million (10.8% of Banner Capital Bank (#19274) assets); Banner Capital Bank (#19274) domestic deposits $335.2 million; Banner Capital Bank (#19274) net income $3.5 million; Banner Capital Bank (#19274) return on assets 1.88%; Banner Capital Bank (#19274) return on equity 17.32%; Banner Capital Bank (#19274) net interest income $8.0 million; Banner Capital Bank (#19274) call report June 30, 2026.
Banner Capital Bank (#19274) noncurrent real-estate loans: none reported; Banner Capital Bank (#19274) net charge-offs on real estate 1.68%; Banner Capital Bank (#19274) residential charge-offs 5.08%.
Banner Capital Bank (#19274) net interest margin 4.58% against an eight-quarter Banner Capital Bank (#19274) average of 4.57% (Banner Capital Bank (#19274) compression -0.01 points); Banner Capital Bank (#19274) non-residential real estate 507.8% of equity; Banner Capital Bank (#19274) rate-exposure score 40/100, Banner Capital Bank (#19274) fixed-rate trap 40/100; Banner Capital Bank (#19274) risk type credit driven; Banner Capital Bank (#19274) rate regime rates elevated, Banner Capital Bank (#19274) snapshot October 20, 2026.
Banner Capital Bank (#19274) stress score moved from 53.2 on June 22, 2026 to 50 on October 20, 2026; Banner Capital Bank (#19274) ranged 50 to 53.2 over 117 snapshots.
Banner Capital Bank (#19274) alerts: 7 counties; top Banner Capital Bank (#19274) alert scores: Kimball County, NE 44 (moderate); Cheyenne County, NE 37 (moderate); Alma County, NE 19 (low); Beaver City County, NE 19 (low); Guernsey County, NE 19 (low).